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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,445 | $95,188-7.1% | $76,518+15.6% | $135,380-34.7% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -6.67% | 4.85%-11.5pp | -0.27%-6.4pp | 519.81%-526.5pp |
| Employer contribution / active EE | $8,496 | $3,303+157.2% | $2,647+220.9% | $4,779+77.8% |
| Participant deferral / active EE | $8,555 | $4,640+84.4% | $3,836+123.0% | $5,609+52.5% |
| Admin fee / account holder | $5,105 | $6,249-18.3% | $4,849+5.3% | $10,828-52.9% |